Indifi Business Loan

Indifi, a leading Non-Banking Financial Company (NBFC), offers a range of business financing solutions to Small and Medium-sized Enterprises (SMEs) across diverse sectors. Indifi provides term loans, revolving lines of credit, and other customized financing options. You can cover financial needs in various business ventures, whether it's for equipment purchases, business expansion, or working capital requirements. Cover the interest rate & flexible repayment options here

Get detailed information about the eligibility criteria, interest rates, and application process for Indifi Business Loan.

Indifi's business loans come with low-interest rates, starting from 1.5% per month, complemented by a processing fee of up to 3%.

Indifi Business Loan Highlights

Indifi business loan is specifically designed for businesses and offers personalized interest rates based on the borrower's profile. The following table provides an overview of the key features associated with a business loan offered by Indifi.

Loan Amount Range ₹50,000 - ₹1 Crore
Loan Tenure 12 to 36 months
Eligibility Criteria Minimum Turnover of ₹5 Lakh in the last 6 months
Repayment Monthly Installments
Terms No hidden charges

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Indifi Business Loan Interest Rates & Charges

The table outlines important details such as processing fees, pre-closure charges, and interest rates.

Interest Rates Starting at 1.5% per month
Processing Fees Up to 3% of the loan amount
Pre-closure Charges Up to 4%
Note: Please note that the interest rates and processing fees are subject to change as per the market risks and the economic conditions. Please visit Indifi’s website for current updates.

Indifi Business Loan Eligibility Criteria

To be eligible for Indifi's business loans, applicants must meet the following key criteria:

  • Eligible entities: Sole Proprietorship, Limited Liability Partnership (LLP), Private Limited Company, Partnership Firm, and One Person Company (OPC).
  • Minimum Operational History: A minimum operational history of 1 year for businesses seeking their business loans.
  • Promoter Age: A minimum age requirement of 22 years for the business promoter or owner.

Documents Required for Indifi Business Loans

Indifi's business loan application process requires the submission of the following key documents:

  • PAN card of the firm and promoters
  • Aadhaar card of the promoters
  • Business registration proof
  • Latest Income Tax Returns (ITR) for loan amounts exceeding ₹15 lakhs
  • Address proof of the firm and all promoters
  • The firm's bank statements for the last six months

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Type of Business Loans Offered By Indifi Bank

Indifi offers a diverse range of business financing solutions to cater to the varied needs of Small and Medium Enterprises (SMEs) and self-employed individuals. Their loan offerings include:

Loan Type Loan Amount Tenure Interest Rate
(Per Month)
MSME Loan ₹50,000 - ₹50 Lacs 12 to 36 Months Starting from 1.5%
Term Loan Up to ₹1 Crore 12 to 36 Months Starting from 1.5%
Line of Credit Up to ₹1 Crore Up to 12 months Starting from 1.5%
NBFC Loan Up to ₹1 Crore Up to 36 Months Starting from 1.5%
Business Loans for Women ₹50,000 to ₹50 Lacs Up to 36 Months Starting from 1.5%

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Note- The interest rates are dynamic and subject to change based on your creditworthiness and prevailing market rates. Please check the official website for more accurate information.

Features & Benefits of Indifi Business Loan

Indifi offers business loans for diverse financial requirements of SMEs and self-employed individuals. Here are the key features and benefits of the Indifi Business Loan

  • Collateral-Free Loans: Indifi's sophisticated underwriting algorithms enable collateral-free business loans, eliminating the need for traditional asset-based security and simplifying the application process.
  • Swift Disbursal: With a streamlined online application process, Indifi ensures a quick turnaround, disbursing business loans up to ₹1 crore within 48-72 hours.
  • Flexible Repayment Options: Recognizing the diverse cash flow requirements of businesses, Indifi provides flexible repayment structures at low-interest rates starting from 1.5% per month.
  • Customized Loan Solutions: Indifi takes a tailored approach, leveraging its network of lenders to craft bespoke financing solutions that align with the unique needs of each borrower.
  • Competitive Interest Rates: Indifi's business loans come with low-interest rates, starting from 1.5% per month, complemented by a processing fee of up to 3%.
  • Transparent Processing: From application to EMI repayment, Indifi's end-to-end online process ensures complete transparency, with no hidden charges or surprises for the borrowers.

Indifi Business Loan Vs Other Lenders

Here's a comparison of the business loan interest rates offered by Indifi compared to other lenders:

Top Banks/NBFCs Business Loan Interest Rates
Indifi 1.50% per month onwards
HDFC Bank 10% - 22.50% p.a.
Axis Bank 14.95% - 19.20% p.a.
Bajaj Finserv 9.75% - 30% p.a.
Flexiloans 1% per month onwards

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Note: The interest rates mentioned are subject to change. Do visit the official website for updated rates.

Get Business Loans at Low Interest Rates!

Business Loan EMI Calculator

Monthly EMI 86
Principal Amount 1,000
Total Interest 32
Total Amount 1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

A Business Loan EMI calculator serves as a helpful tool for SMEs and self-employed individuals to plan their financing requirements and evaluate the affordability of the loan before applying and further weigh loan options

The Indifi business loan EMI calculator allows you to estimate your monthly repayment installments based on the following inputs:

  • Loan Amount: Enter the desired loan amount up to ₹1 crore.
  • Loan Tenure: The repayment tenure can be selected from 12 months to 36 months.
  • Interest Rate: Indifi's business loan interest rates start from 1.5% per month.

Using these inputs, the Business loan EMI calculator will provide you with the estimated monthly installment amount you would need to pay, along with the total interest payable over the loan tenure.

Steps to Apply For Indifi Business Loan

The application process for a business loan is free from unwanted delays and unnecessary paperwork across India.

Here are the steps to apply for a business loan online:

  • Step 1: Fill in your basic and company details
  • Step 2: Mention your loan requirements
  • Step 3: Upload the scanned copies of the required documents: Business registration proof, Bank statements, PAN card, Aadhaar card, Company PAN card, Partnership deed, Drug License, VAT Registration, GST filing (as applicable)
  • Step 4: Once the correct documents and the filled application form are submitted, Indifi will process your application.
  • Step 5: Indifi will send the approval within 72 hours.
  • Step 6: After getting the instant business loan approval, your loan amount will be disbursed immediately in your bank account.

Steps to Apply for Business Loan on Buddy Loan

Buddy Loan is one of the largest loan service providers in India, helping you avail personal loans and business loans from top trusted lenders. Moreover, applying for HDFC business loan through Buddy Loan is simple and straightforward. Follow the steps mentioned below:

Step 1: Visit or Download & install the Buddy Loan app (Android or iOS).

Step 2: Open the business loan application page. Enter your mobile number and OTP.

Step 3: Specify the desired loan amount and email. Next, choose the Business Loan option.

Step 4: Choose if you have a Business Proof (Yes/ No)

  • If ‘Yes’ (If you have a business proof), enter your business and personal details.
  • If ‘No’ (If you do not have a business proof), choose the profession type and enter your personal details.

Step 5: Provide income details and Click the ‘Submit’ button.

Indifi Business Loan Customer Care Number

You can contact Indifi regarding Business Loans through a few methods, but they don't advertise a specific customer care number for business loans. Here are your options:

  • Call: 9696555444 ( 10 AM to 7 PM, Monday to Friday)
  • Email:
    • For new or top-up loans: []
    • For general inquiries: []

Take the next step! Apply for a business loan now!

Frequently Asked Questions

Indifi is a Non-Banking Financial Company (NBFC) that provides collateral-free business loans to small and medium enterprises (SMEs) and self-employed individuals.

Indifi offers business loans up to ₹1 crore.

Yes, Indifi is a licensed NBFC registered with the Reserve Bank of India (RBI), ensuring it operates within the regulatory framework and follows all necessary safety and compliance measures.

Yes, Indifi Technologies Pvt. Ltd. is an RBI-registered NBFC.

Indifi charges a processing fee of up to 3% on the loan amount.

The minimum age requirement for Indifi's business loan applicants is 22 years.

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